I agree it does seem strange that people would be telling you the processors are different when it really is everything but the processor that are different.
Yeah, I took a look at the specs of both phones and figured it doesn't pay to listen too closely to what salespeople say. I understood that the 820 has a smaller screen with a lower resolution, but I was prepared to accept that after the salesperson gave us the opportunity to experience both phones in-store and not really noticing a greal deal of difference quality-wise. Perhaps somebody with sharper vision than I might notice, but the 820's screen is quite good enough for me, and that's what's important.
The camera is also different with a .2 fstop difference between the two (also the 'floating lens' tech in the 920 allows for even better night-time pics) but then that never mattered to me personally as I'm not young enough to be taking night-time pics anymore anyway.....hehe.
We've taken a few pics and they seem to be of quite reasonable quality, particularly for a phone camera... and like you, I/we are not likely to be needing to take night shots anyhow. Besides, if we need to take high quality or night pics, we have a digital SLR for that.
I believe you can purchase a back/shell for the 820's that also enables wireless charging just like in the 920, but I have no idea where to purchase same or for how much.
Yes, and much to my/our delight, the spare back panel that came bundled with the phone allows for this. All we need is the optional pad or stand to complete the process. The store where we bought the phones carries all the accessories, so tha's easy When the time comes. I wasn't aware until now, though, that the 920 doesn't have a removable back, which sort of seems strange to me... for additional storage, etc. I currently have a 32gb card in mine, but the 820 is capable of accepting cards up to 64gb, should I ever require that much
I completely agree starkers, the 820 is just as much phone as the 920, just in some slightly different ways.......most of which are just up to personal preference anyway. To be completely honest I think I probably would have gone with the 820 over the 920 if my carrier would have carried it. As it is, my carrier only has the Lumia 920, HTC 8x or the Samsung Ativ S (which seems like just a Galaxy S3 in windows-mode) as windows phone options, and between those 3 even the exclusive Nokia apps are enough to tip the scales the 920's way.
We were also shown a HTC W8 phone, and it was of similar ability, but the Nokia Lumia seemed the better option given the info people such as yourself have provided here.... and like you said, the Nokia apps were enough to tip the decision the 820's way. Besides, not knowing anything about the HTC, I didn't want to dive in and find out later it wasn't what we wanted. As for the Samsung Ativ S, so far the only W8 phones available here in Australia are Lumias and HTC's, though I imagine others will appear soon enough.
Glad to hear you're a happy new windows phone user! If you haven't yet......give that PhotoBeamer app (free from Nokia) a go. You'll love it I'm sure.....
Thanks for that, I sure am happy to be a Windows phone user. I'm still finding way around the 820, and shoot, there's a heck of a lot more to take on board than my last phone, and that's before downloading any apps, but yeah, I'll take a look at Photobeamer and let you know what I think... though if it's anything like my other Lumia experiences thus far, it'll be awesome.
Oh, and merry Christmas to you and yours... to all reading this thread and WC/Stardock forums. 
